The CapEd Credit Union is a personal credit card from CapEd Credit Union. The annual fee is No annual fee. The ongoing APR is After the introductory period, the rate will be a variable rate between 11.45% and 18.00% APR. after a introductory rate of 4.90% APR with an intro period of 12 months. The intro rate applies to any purchases made within the first 6 months of the 12-month introductory rate period. introductory rate for 12 months. Rewards: One reward point is earned per dollar purchased; reward points for merchandise, travel, or cash back with qualifying purchases.